First-Time Homebuyer Home Ownership Grant for Homes for Sale Long Island

Do you continuously dream buying your own home because you don’t have enough to cover the cost of a particular Long Island home for sale? Do you wish to own one now? Fret not and be ready to own your dream home (or at least close to it) because there is a thing called first-time homebuyer home ownership grant for homes for sale Long Island to help you make your dreams come true. The first and foremost requirement is that you should be a first-time homebuyer.

Who Can Get a Home Ownership Grant?

The number one requirement (as mentioned earlier) is that you must be a first-time homebuyer which means that an individual together with his or her better half have not owned a home within the three-year period preceding a purchase of a home with some financial assistance.

Any person who is a displaced homemaker who owned a home together with the spouse or resided in his or her spouse’s own home can be considered first-time homebuyer and also entitled to apply for the grant.

Any single parent who was married once and shared own home with his or her spouse or resided in the house owned by the spouse can also be considered a first-time homebuyer.

What Are the Other Requirements?

Your income must fall within the proper income guidelines for a particular county where you want to own one of the homes for sale Long Island.

Your income and credit history must meet the set standards to qualify you for a conventional mortgage (fixed) with suitable debt to income proportions.

You can only consider the following counties to purchase your property from: Nassau, Suffolk, and Westchester.

Real EstateThe price of your home must be within the purchasing limit of the certain grant program. It is best to know first the purchase price limit (of the grant) of the particular county that you have decided to buy your house.

You must live in the purchased home within the term stated on the grant; otherwise, it will not be favorable on your part as you will be required to pay back all or part of the proceeds.

Houses that were built prior to 1978 must have Visual Assessment Test for Lead to be conducted by a certified professional regarding the matter.

You will be required to contribute at least 3% of the expected price of the property with your own money. The contribution may include savings, investments, and /or 401K plan. You will also be asked to produce legitimacy of contribution source or proof of source.

The property will undergo appraisal and should yield a value equal to or greater than the price that you need to pay in buying the property.

You are also required to attend one Homebuyer Seminar prior to application submission. You can check for the dates of the seminar and attend the most convenient schedule for you.

The earlier you turned in you application, the better your chances of getting a grant because they are processed on a first-come first-served manner. Incomplete applications will be put on hold and processing will only commenced once the applicant has able to submit all missing documents and completed the file.

To avoid inconveniences, make sure to secure all the necessary things that you need to secure in order to have a smooth flow of transaction and take advantage of your lead over other applicants. Owning one of the homes for sale Long Island is not that hard to achieve but you need to spend time, exert effort, and practice patience if you really want to make your dream a reality.

8 Eye-opening Facts You Must Know About Military Patches

It’s good to have basic knowledge about military patches before asking an expert. In this way, you may be able to determine if some of the statements of the expert are true. Let’s see how much you’re willing to learn about the patches.

What Are The Advantages of Military Patches?

PatchesThe patches can help you determine which organization that military members belong to. Military members who have an army patch protect other people by fighting on land. Military members who have a coast guard patch, navy patch, or marine corps patch protect other people at sea . An air force patch is for military members who protect other people by fighting in the air.

The number of “V” shapes that the patch has may help you determine the rank of military members. A military member has the lowest rank if his patch has one “V” shape. The highest rank is assigned to a military member who has a patch that has three or more “V” shapes. A patch with two “V” shapes is designated to a military member who has a middle rank.

How Does A Military Member Clean The Patches?

Distilled water and mild liquid detergent are used to clean the patches. The military member mixes the ingredients in a plastic basin. He soaks the patches and takes them out after a couple of minutes. He rinses the patches with cold water and pats the patches dry with a paper towel. He may substitute the paper towel with a soft, white towel.

How Are The Patches Applied To The Military Uniform?

Velcro is used to apply the patches to the combat military uniforms. The patches must be sewn on the formal military uniforms.

Where Are The Military Patches Usually Attached?

These are the areas where the military members attach their patches:

1. Center of the upper part of the sleeve.
2. Front part of the combat helmet.
3. Backpack
4. Shoulders
5. Above the breast pocket
6. Collar
7. Front part of a round, flat cap.
8. Body armor

Where Do Military Members Store Their Patches?

Military members store the patches in small, open containers. This is because the containers allow air to move through the patches. Without air, the patches may accumulate dirt and molds overtime.

Can Military Members Apply Patches In Any Size?

Patches that are less than 3 inches in width and height are usually worn on the sleeves and chest of the uniform. A military member can wear the patch on his shoulders as long as it’s 3 inches in height and width.

Do Military Members Only Wear Colorful Military Patches?

The military members also wear the non-colorful patches. These patches are only worn if the military members are wearing the combat military uniform. The colorful patches are only worn if the military members are wearing the formal military uniform.

Do Military Members Display The Patches If They Don’t Wear Them Anymore?

Shadow boxes and scrapbook binders are places where military members usually display their patches. If a military member wants to display his patches in the shadow box, he has to open the shadow box to separate its backing.

He will position the patches on the shadow box’s backing until he’s satisfied with the layout. A small dab of hot glue will be applied to the back of the patches. He attaches the patches to the backing. The shadow box will be closed afterwards.

If he wants to display his patches in a scrapbook binder, he has to determine how many patches will fit in each sheet of the scrapbook. He will position the patches on each scrapbook sheet. A double-sided tape will be applied to the back of each patch. He presses the patches firmly onto the scrapbook sheets. Each scrapbook sheet is carefully inserted in the scrapbook’s plastic sheet.

Military patches can be worn, displayed, and applied in different ways. You’ll know how to store and clean the patches when you have them.

Embalming as Part of Funeral Services

Aside from preparing the setting and decorations, obituaries and invitations, legal documents and ministers, and burial site or columbarium, one part of the funeral services is the embalming. Embalming is the method of preserving the body of the deceased before it is put in a casket and displayed for public viewing. This process delays the decomposition of the body.

The history of embalming can be traced back to Chinchorro in Chile about 6,000 to 7,000 years ago. It was also practiced by the Ancient Egyptians. It was referred to as the mummification process and it was associated with their spiritual belief.

During the Renaissance Period, the height of the scientific study about embalming was reached. There were chemicals and methods which were discovered and developed. In this modern era, embalming as offered as part of funeral services.

Funeral servicesFuneral homes have embalmers who are in charge of this process. They are licensed professionals, which means that they have proper education and training in the science of embalming. They take are required to pass an official licensing exam before they are able to practice their craft.

The process of embalming is quite simple. Its objectives are to cleanse the body and preserve it through the use of chemicals. First, the body is placed on a mortuary table where it is stripped of clothing and examined. The body is then cleansed and checked for muscle stiffness. In most instances, the embalmer is tasked to “restore” the appearance of the body to a more relaxed state. Such is the case when the face of the deceased has been disfigured in some way due to illness or accident. Any scars, bruises, or cuts that affect the body’s appearance will have to be fixed by the embalmer.

Chemicals are injected into the body to preserve it. The face of the deceased will also be cosmetically enhanced to make it look like he is peacefully asleep. The cosmetics used are no different from what is normally used by people who are alive. The family usually provides a picture of the deceased to be used as reference by the embalmer in the restoration process.

The clothing that is put on the deceased body is provided by the family. The choice of outfit is normally formal – a dress for females and a suit for males. The family normally chooses the deceased favorite formal. In some instances, the deceased has already picked out the outfit he wishes to wear before his passing. Other items that the family might want to put in the casket are also given to the embalmer. Rosaries and family heirlooms are common items that are put in the casket with the body. These are usually based on religious beliefs and tradition.

There are sanitation guidelines that funeral services providers are required to comply with. This prevents risks of contamination of the body and health issues among the family and friends who will be around the body during the funeral. It is important to ask the funeral director about certifications and proof of compliance to industry standards.

How the body looks during the funeral services is important. This is the last image that family and friends will see before he is laid to rest in his final resting place. Embalming is not a procedure that should be taken for granted. It is an important part of giving respect to the deceased and making sure that he is treated with dignity. There are some cases when the family opts to have a closed casket during the funeral. Even during these instances, making sure that the body is properly embalmed is necessary.

Author Bio:
Gentry Griffey Funeral Chapel and Crematory offers Knoxville’s only on-site crematory.Gentry Griffey  funeral homes offer funeral services in packages or plans. By having a crematory on-site at Gentry Griffey Funeral Chapel, we are not dependent on anyone else’s schedule or facilities, and we oversee every step of the cremation.

How to Rework PCB Assembly?

Reworking PCB assembly is often a possibility when manually creating a circuit board. Circuits can be rearranged to achieve the desired function or to troubleshoot.

When handling the circuit board, handle by the edges. This way, contaminates are reduced. It will also prevent the risk of snapping off any of the leads. Turn the circuit board over and check for proper soldering of the leads. Then use the volt/ohm meter to check for proper sequencing and placement of the diodes, capacitors, transistors and resistors. Start reworking only after properly assessing which of the components is in the wrong place, soldered backwards, component wrongly connected or placed backwards. All these can be remedied by reworking the PCB assembly.

Pcb assemblySolder can be removed using a solder wick or a braided copper tape. A solder wick is recommended for reworking single sided boards. This does not work well on two sided boards that have plated through-holes.

To rework a PCB with plated through-holes, a solder sucker can be used. This is a device with a plunger. Once the plunger is released, a vacuum is created, sucking the solder out through the hole.

If no solder sucker is available, the cheapest method to rework a PCB assembly with two sided boards with plated through holes is by cutting the errant component out. The component is removed but a considerable amount of solder may be left behind within the hole. The solder can be gently heated until it freely flows out for removal. Be careful when melting the solder off to avoid damaging the pad. Another way to rework the PCB is by inverting the board and melting the solder until the component is loose enough for the lead to be pushed off the hole.

Another way to de-solder is by applying liquid flux. Apply a small amount to the component’s solder joints. Align the tip of the de-solder to the lead of the component to be removed. Lightly make contact between the de-solder tip and the component lead. Make sure to keep the tip of the de-solder off the pad to avoid damage. Slide the de-solder tip around a film of solder. Avoid putting pressure on the lands and conductive patterns while moving the solder extractor tip. Wait until the solder starts to melt. Then rotate or move the de-solder tip in a circular motion.

Continue doing so until the solder in the solder joint has completely melted and the component is dislodged. Activate the vacuum immediately to extract the solder from the joint. While applying the vacuum, continue with the circular motion of the de-solder tip. This motion allows air to cool the lead on the component and the plated through hole. Cooling prevents the re-sweating of the component lead to the other side of the plated through hole. Once all the melted solder has been vacuumed from the solder joint, slowly remove the tip of the solder from the lead of the component being removed. All the while, continuously apply vacuum until the de-solder tip is cleared from any remaining melted solder. Then turn off the vacuum. Gently remove the component from the PCB assembly.

After removing the errant component, rearrange and re-solder the leads. Make sure to have good connection. No solders should overlap or leak through the opposite surface. If a connection is out of place, cut out a segment of the trace. To cut the trace, use an X-acto knife. Make two small slices on the trace, ¼ inch apart. Heat the cut trace segment with a soldering iron. Apply firm pressure on the segment and keep heating it up.

Once the segment loosens, gently lift off the cut trace segment off the board. Sand the edge of the cut trace segment if the trace needs to be rerouted. Sand just enough to expose the copper, that is, if the board has a solder mask. Make the necessary new connections with a wire wrap- a 30ga, insulated, single strand, tinned wire made of copper. Test the PCB assembly again to check for function.

Accomplishing Portable Security

fireproof safe Every person has his own possession, property, and asset that he wants to secure and guard for as long as he can. It can be a document, money, or other stuff that has tangible importance to him. Luckily, there are various tools and methods that promote security for one’s valuables. Yet each tool is customized to fit and accommodate its consumer’s needs. It can be compared as to how houses are built according to their holder, or how cars befit their owner. A safe can be likely defined as a portable vault. It is typically a lockable chest that is used for securing objects or documents against fire, theft, etc.

Safes are made by either steel casting or plastic molding. It can be distinctly secured to a wall and structure or can be carried around. Also, it can either have a slit opening for dropping valuables or initiate a time-delay combination lock to avoid robbery. There are a few specifications for safes. The most commonly known are the theft-resistance safes, wall safes, and fireproof safes.

Theft-resistance safes are often secured by installing time-delay combination locks, regular combination key locks, and other type of electronic locking. Yet, to make it an efficient burglar-proof safe, it is specifically hardened and molded to resist damages from tools that can be used to attack and destroy it.

wall safeOn the other hand, wall safes are intended to provide hidden security for money and other valuables. These safes are commonly shown in movies in which jewels and documents are concealed by paintings that are pinned against the walls. This can also be classified as theft-resistance safes since it offers pry sunken doors with concealed joints.

Lastly, fireproof safes are some of the most popular types of safes. It is explicitly designed to protect its contents from fire. It is practically rated by the amount of time it can endure high temperature caused by an actual fire while not surpassing its defined internal temperature. Fireproof safes are expensive since they are also reinforced against dangerous chemicals. Its standard is identified to sustain an internal temperature no greater than 177 °C (351 °F) while in a continuously heated environment in excess of 1,000 °C (1,830 °F). This safe is tested with these given temperatures and usually prolonged at least 30 minutes or more depending on its grade. Moreover, it is tested to withstand ‘physical’ damage impact by allowing it to be dropped in a solid surface at a specified height and then testing it again for fire survivability. It is seen as an efficient way of testing safes and thus to further ensure its effectiveness and flexible functionality. Basically, a fireproof safe is the type of portable vault that one can use at home or office. It is essentially made to provide security for unfortunate yet commonly identified disasters that can destroy one’s valuables and treasures per se in an indoor environment. An mounted to a concrete floor is a very good example of fireproof safes.

What difference does it make in one’s life if he will use a safe? Evidently, it will increase the probability of his assets and valuables to be kept hidden and secured for a long period of time. His physical assets will therefore extend their ‘life’ and be sustained capably. The types of safe that are identified above will educate the potential consumers to find and identify the safe that is suitable for their needs and priorities. They are also carefully defined since they are different from each other. And they also have unique functionalities that are specifically made to prevent untoward life circumstances.